Most people don't know what their insurance covers until they need it. Policies are long, full of legal language, and hard to act on. The result is that people pay for coverage they don't understand and miss gaps they don't know exist.
Spot is a free SMS agent that reads your insurance policy and texts you back what you're covered for, what you're not, and what to watch out for — in plain English. No app, no login, no dashboard. Just text.
How it works
Text your insurance policy — a photo, a PDF, or a forwarded email attachment — to Spot's phone number. Within seconds, you get a plain-language breakdown of your coverage, deductibles, exclusions, and anything that stands out.
From there, it's a conversation. Ask follow-up questions about specific scenarios. Request proof of insurance emailed to your landlord. Set a reminder before your policy expires. Everything happens over text.
Why Spot
Insurance is one of the few products where the buyer has almost no visibility into what they purchased. Policies are written for adjusters and underwriters, not the people paying the premium. Most people interact with their insurance once a year at renewal — and only learn what's excluded after filing a claim.
The information people need is already in their policy. The problem is access. Spot uses the same document intelligence that powers Prism, our commercial product, to extract structured data from any personal lines policy and make it conversational.
What Spot does
Policy breakdowns. Coverage limits, deductibles, and exclusions pulled from your actual policy — not generic descriptions of what a policy type usually includes.
Coverage questions. Ask "am I covered if my basement floods?" or "what happens if someone gets hurt at my house?" and get answers based on your specific policy language.
Proof of insurance. Need to send proof of coverage to a landlord or lender? Tell Spot who to send it to and it drafts and emails it for you.
Expiration reminders. Set a reminder and Spot texts you before your policy lapses so you have time to renew or shop around.
Gap detection. After reading your policy, Spot flags anything that looks thin — low liability limits, missing riders, high deductibles — so you can make informed decisions.
Try it
Spot is a free research preview. Text your policy to get started.